FEMA puts Asbury Lake’s expected hazard damage per building above that of 64% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Asbury Lake gets a C+ for hazard risk: higher expected damage per building than 64% of U.S. towns, #105 of 638 in Florida. Most of that expected damage is river and rain flooding (75%), then hurricanes (17%). Flood insurance has paid 9 claims here since 2012.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Asbury Lake faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Asbury Lake’s grade
River and rain flooding is 75% of the building damage FEMA expects in Asbury Lake, and Asbury Lake’s rate of river and rain flooding damage is higher than 72% of U.S. census tracts. Next is hurricanes at 17% (higher than 84% of U.S. census tracts).
C+ #105 of 638 in Florida; higher expected damage per building than 64% of U.S. towns (21,298).
Asbury Lake’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Asbury Lake has less expected damage per building than 84% of Florida towns.
In dollars, FEMA expects about $2.5M a year in losses across Asbury Lake: $2.0M to buildings, the rest to people and crops.
Does Asbury Lake flood? Rarely: 9 flood claims since 2012
Every paid claim on a federal flood insurance policy in Asbury Lake, from FEMA’s records: 1.6 per 1,000 homes, fewer than 67% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irma8 claims · $658K
- Tropical Storm Debby1 claim · $25K
Asbury Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clay County.The storms Asbury Lake remembers
None of the 24 disasters declared for Clay County shows FEMA aid or repair money reaching Asbury Lake itself in FEMA’s records, so these are its biggest flood-claim years.
- 20178 flood claims paidThe year of Hurricane Irma, declared for Clay County
- 20121 flood claims paidThe year of Tropical Storm Debby, declared for Clay County
Clay County has had 24 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Clay County, 1999–2026.
Old photos of Asbury Lake after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Asbury Lake archive →Get ready for what Asbury Lake faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Asbury Lake
Is Asbury Lake at risk for natural disasters?
On FEMA’s National Risk Index, Asbury Lake has higher expected damage per building than 64% of U.S. towns: C+ for hazard risk, #105 of 638 in Florida. Most of the expected damage is river and rain flooding (75%) and hurricanes (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Asbury Lake flood?
Flood insurance has paid 9 claims in Asbury Lake since 2012, $682K in all, or 1.6 per 1,000 homes, fewer than 67% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irma (8).
Is Asbury Lake in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Clay County, 48% of homes in mapped flood zones carry federal flood insurance, and 5.1% of all homes do.
How much is flood insurance in Asbury Lake?
FEMA’s Community Rating System list shows no discount for Asbury Lake’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Asbury Lake?
By flood claims, Hurricane Irma: 8 paid, $658K.
Is Asbury Lake at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Asbury Lake’s rate for it is higher than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Asbury Lake.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Asbury Lake’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.